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Auto Title Loan: Frequently Asked Questions

What is an auto title loan? An auto title loan is a secured short-term loan with the use of a car title. The car title acts as collateral and must be in your name and lien-free. After you have completed the loan application, and Jax Title has approved your loan, you will receive cash that day and you won’t lose your keys. However, you do have to surrender the car title until the loan has been paid in full.

Are there income requirements? Yes. You must have a net income of at the least $1,000 per month.

How much can I borrow? You can borrow from $500 to a max of $5000. The amount that you borrow depends on the amount you need and the value of your vehicle.

Why do you need to inspect my vehicle? We inspect your vehicle to make sure that the amount you seek to borrow does not exceed the value of your vehicle. Since your vehicle is used as collateral, the highest loan amount will be based on the value of your car.  

What if I have bad credit? We do not perform credit checks. Therefore, if you have bad credit, good credit or no credit, it does not matter. Furthermore, we do not report to the credit bureaus. This means that if you are making on-time payments or past-due payments, it will not be reported to the bureaus. Keep in mind, that if you fail to make on-time payments it can result in the loss of your vehicle.

What fees are associated with the loan? There are no application fees. We charge $25 per month on every $100 you borrow. For example, if you borrow $100, the next month you will owe $125.

What information should I bring with me? Make sure when you come to one of our two locations, that you drive the car you will be using as collateral. The car will have to go through a quick 5-minute inspection. You will also need the car title, proof of income and proof of residency. A phone bill, bank statement, or utility bill can be used to prove place of residence. If you do not receive check stubs due to direct deposit, your bank statement can also be used as proof of income.

When will I receive the money? If approved for the loan, you will receive the money that same day before you leave.

When is my due date? Your due date is due the following month on the same day you secured the loan. For example, if you accepted the loan on August 8, your payment would be due September 8.

What if I don’t meet all the requirements? We understand that not everyone will meet all the requirements to secure a title loan. If for any reason you do not meet all the requirements, we might still be able to help you. Call and talk with one of our loan specialists today. They might be able to find another program to help you get the cash you need.

Do you offer promotions? Yes! We have three different promotions. With certain requirements, we offer interest-free loans. We offer cash for new customer referrals. And, as a thank you for driving to see us and securing a loan, we will give you a gas card to help fill your tank.

If you have further questions regarding an auto title loan, our friendly staff is willing to help answer your questions. Please call us, at (904) 880-2274.